SBA takes 45 to 60 days. Get $50K to $500K in as fast as 3 days instead, on a clear monthly payment. Move now, and refinance into SBA later if you want the lower rate. No hard credit pull to check.
1000+
Businesses funded
$50K to $500K, funded in 3 to 7 days
20+
Years of lending experience
board member, National Association of Government Guaranteed Lenders
$300M+
Deployed
for payroll, inventory, equipment, expansion, and debt refinancing
Why owners choose ChatBiz
Most complete files fund in as fast as 3 days, not the 45 to 60 an SBA loan takes.
A 10 year fully amortized term at 13 to 18%, with a fixed monthly payment. Speed that does not cost you a daily debit or a factor rate.
Take the fast capital now and refinance into an SBA loan once it closes. You do not have to choose speed or cost forever.
What you get
Amount
$50K–$500K
for working capital or refinancing existing debt
Rate
13–18%
a clear fixed APR, never a factor rate
Term
10 years
fully amortized, with a clear payoff date
Payments
Monthly
never a daily or weekly debit
Funding
As fast as 3 days
most complete files fund within about a week
Eligibility check
No hard credit pull
a soft pull only, about 2 minutes
Owners who grew with ChatBiz
★★★★★
"They turned complex financial challenges into smooth solutions - and made the process enjoyable."
Christopher McKenney
SBA Loan
★★★★★
"ChatBiz helped me when I needed clarity and gave great advice throughout the process."
Carlos de Varona
Refinance
★★★★★
"ChatBiz made it easy from day one. They advised me on my bookkeeping and helped me get approved when I really needed clarity and support."
Akhil Bhandare
Working Capital
Talk to a funding advisor who understands small business, before, during, and after you are funded. No call centers, no runaround.
(727) 432-0428
Monday–Friday · 9 a.m.–7 p.m. ET
Common questions
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Check your eligibility for $50K to $500K, funded in as fast as 3 days. No hard credit pull, no obligation.
Check my eligibilityNo hard credit pull. No obligation. We never sell your data.
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